What is the primary focus of workers' compensation insurance?

Workers' compensation insurance is primarily designed to provide medical care and financial benefits to employees who suffer injuries or illnesses as a direct result of their job. The main focus is on facilitating the medical needs of the injured workers, ensuring they receive necessary treatment without the burden of out-of-pocket expenses. This system serves to protect both employees and employers, as it offers a no-fault framework that allows workers to receive medical care while employers are shielded from lawsuits related to workplace injuries.

The other options, while related to employee welfare, do not encapsulate the primary purpose of workers' compensation. Death benefits and long-term disability coverage are components of workers' compensation but are secondary to the immediate medical care provided for work-related injuries. Life insurance for accident victims is generally not part of workers' compensation, which specifically addresses medical costs and lost wages due to workplace incidents. Thus, the correct choice emphasizes the core role of workers' compensation in ensuring timely and adequate medical care.